Centrum Capital Ltd. benchmarking: Perfomance to industry peers

Financial

	Centrum Capital	Finkurve Financial	Saraswati Commercial
Operational Metrics
Financials
5 yr Average ROE	-29.84 %	7.37 %	9.19 %
5yr average Equity Multiplier	31.55	4.01	1.13
5yr Average Asset Turnover Ratio	0.12	1.28	0.15
5yr Avg Net Profit Margin	-11.22 %	13.72 %	54.2 %
Price to Book	3.36	7.25	1.36
P/E	0.0	72.75	67.57
5yr Avg Cash Conversion Cycle	-528.36 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	5.31 Days	n/a	n/a
Days Payable	551.36 Days	n/a	n/a
5yr Average Interest Coverage Ratio	0.76	n/a	n/a
5yr Avg ROCE	7.2 %	n/a	n/a
5yr Avg Operating Profit Margin	5.08 %	n/a	n/a
5 yr average Debt to Equity	20.71	n/a	n/a
5yr CAGR Net Profit	31.95 %	n/a	n/a
5yr Average Return on Assets	-1.14 %	n/a	n/a
Shareholdings
Promoter Holding	34.84 %	56.26 %	73.99 %
Share Pledged by Promoters	49.9 %	19.04 %	0.0
Change in Promoter Holding (3 Yrs)	-3.39 %	3.4 %	1.67 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Centrum Capital	Finkurve Financial	Saraswati Commercial
Segment Break-Up	Segment Break-Up Banking 74.68 Home loans 6.12 Wealth Management 5.52 Institutional Business 4.52 SME/ Micro credit Lending 0 Foreign Exchange 0 Others 9.16	-	-
Product Wise Break-Up	Product Wise Break-Up Interest Income 79.48 Broking 7.85 Consultancy Fees 0 Business Support Service Fees 0 Forex / Forex equivalents 0 Syndication, Commission & Brokerage 0 Fee and Commission 0 Remittance Bank Charses Received 0 Income from forex services 0 0 0 Others 12.67	Product Wise Break-Up Interest Income 0 Forex / Forex equivalents 0 Interest Income 66.7 Consultancy Fees 0 Fee and Commission 33.19 Syndication, Commission & Brokerage 0 Broking 0 Business Support Service Fees 0 Remittance Bank Charses Received 0 0 Income from forex services 0 Others 0.11	Product Wise Break-Up Interest Income 0 Forex / Forex equivalents 0 0 Consultancy Fees 0 Fee and Commission 0 Syndication, Commission & Brokerage 0 Broking 0 Business Support Service Fees 0 Remittance Bank Charses Received 0 Investments, trading in shares and securities & Lending Activities 100.0 Income from forex services 0
Loan Break-Up	Loan Break-Up Loans & Advances from Related parties 0.02 Inter Corporate Deposits 0 Deposits 0 Joint liability group loans 0 Non Housing Loan 0 Housing Loan 0 Others 99.98	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 74.86 Unsecured Loans 4.23 Loan From Banks 1.95 Intercorporate Deposits 0 Non-Convertible Debentures 0 Debentures 0 Loans & Advances from Related parties 0 Unsecured Loan 0 Loan from Body Corporates 0 Others 18.96	Borrowings Break-Up Intercorporate Deposits 0 Non-Convertible Debentures 0 Unsecured Loans 0 Debentures 0 Loans & Advances from Related parties 0 Loan from Body Corporates 0 Unsecured Loan 0 Loan From Banks 0 Others 100	-
Profit Before Tax	Profit Before Tax Housing Finance 9.31 Banking 0 SME / Micro Credit Lending 0 Foreign Exchange 0 Wealth Management & Distribution 0 Institutional Business 0 Others 90.69	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Banking 78.45 Home loans 6.81 Institutional Business 0.59 Wealth Management 0.52 SME/ Micro credit Lending 0 Foreign Exchange 0 Others 13.63	-	-

Centrum Capital Ltd.

Centrum Capital Ltd.

Financial

Business

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